Red Robin International, Inc.

Englewood, CO HospitalityNAICS 722511

Self-funded health planPlan year 2025Renews January
2,738Participants+4% vs. prior year
$6.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 8Hospitality in COBy participants

Overview

Red Robin International, Inc. sponsors a self-funded health plan that covered 2,738 participants in plan year 2025, up 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
2,738 · prior year 2,629
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Red Robin International, Inc. Health & Welfare Benefits Plan, plan 501 (2,738 participants)
Broker compensation
$178K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLife, Long-term disability, Short-term disability2,182$1.1M$28K
Vision Service PlanVision2,121$274K—
Unum Insurance CompanyGroup Accident, Critical Illness, Hospital EE Paid685$266K$72K
Provident Life and Accident Insurance CompanyLife95$93K$79K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$6.5M/ year

Estimated prescription spend: 2,738 participants × $2,371 national average per member. Usually higher once dependents are counted.

$169K–$416K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$49K–$123K
Lower-cost therapeutic alternatives$72K–$151K
Generic pricing vs. actual cost$31K–$93K
PBM contract terms$16K–$49K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Red Robin International, Inc.
Sponsor EIN
91-0847486
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 91-0847486 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Red Robin International, Inc. 401(k) Savings Plan
Type
401(k) plan
Participants
12,979

About this data

Source: Red Robin International, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Red Robin International, Inc..

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